Will the insurance company compensate for a car submerged in water due to natural disasters?
2 Answers
Insurance companies will compensate for a car submerged in water due to natural disasters. Below are the relevant details about the compensation: 1. Compensation conditions: The main losses caused by heavy rain to vehicles include submersion and water ingress, damage to components such as seats and circuits; collision damage when the vehicle drifts in water; towing and rescue cost losses. The scope of insurance compensation for water ingress includes towing fees, rescue fees, repairs to in-car electronics, and other losses caused by heavy rain. 2. Compensation principle: In cases where a used car is damaged but not totaled, all replaced parts are compensated based on the price of new original parts. When a used car requires repairs, it is repaired with new parts, and the cost is based on the price of new car parts, while labor costs are calculated according to current repair labor rate standards.
I've been repairing cars for over ten years and often encounter vehicles damaged by natural disasters like flooding. Whether insurance covers it really depends on your policy type. If you only have compulsory traffic insurance or third-party liability coverage, you're basically out of luck - you'll need vehicle damage insurance for that. Comprehensive insurance might include flood damage, but only if the policy explicitly states natural disaster coverage. I remember one customer whose car got flooded by typhoon waters - luckily he'd added that coverage in advance, and the insurer sent adjusters who approved the claim. Never start a waterlogged car immediately as water in the engine can total it. First call your insurer to report it and photograph the damage as evidence. My advice? Always clarify coverage details with your agent when buying insurance - don't penny-pinch only to lose big later. Regular maintenance matters too, and avoid parking in low-lying areas.
